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| Provider | Service type | Compensation |
|---|---|---|
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $160 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,188 | $46,173-49.8% | $170,435-86.4% | $69,631-66.7% |
| Participation rate | 26.0% | 63.9%-37.9pp | 83.6%-57.6pp | 70.7%-44.7pp |
| Annual return | 15.16% | 21.62%-6.5pp | 205.94%-190.8pp | 27571.02%-27555.9pp |
| Employer contribution / active EE | $288 | $1,610-82.1% | $5,432-94.7% | $2,032-85.8% |
| Participant deferral / active EE | $399 | $2,080-80.8% | $4,939-91.9% | $3,224-87.6% |
| Admin fee / account holder | $6 | $116-95.1% | $13,881-100.0% | $110-94.8% |